Kotak Mahindra Bank Kotak Air+ Credit Card
Kotak Mahindra Bank
Annual / renewal fee
₹3,000 (plus GST).
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Earn rate
- 5 Air Miles per ₹100 on Flight & Flight Add-ons and Hotel & Hotel Add-ons booking via Kotak Unbox (2 base + 3 incremental).
- 2 Air Miles per ₹100 on all other eligible spends.
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at kotak.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at kotak.com — if a different card is shown first, use its card selector to pick this one.
Overview
Kotak Air+ Credit Card by Kotak Mahindra Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹3,000 (plus GST).
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Annual / renewal fee
₹3,000 (plus GST).
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Fee waiver
- No joining fee waiver and no annual fee waiver (both conditions NA).
- Minimum retail spends of ₹4 lac in an anniversary year applies as the annual fee waiver condition in the MITC schedule (Rent, Wallet, Utility, Education & Transportation categories excluded from spend calculation).
VerifiedMost Important Terms & Conditions (MITC) - Kotak Credit Cards18 Aug 2026, 11:16 AM ISTKotak Mahindra Bank
Renewal fee
2,500 Air Miles as Renewal Benefit every year, subject to payment of Annual Fees.
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Rewards
- 5 Air Miles per ₹100 on Flight & Flight Add-ons and Hotel & Hotel Add-ons booking via Kotak Unbox (2 base + 3 incremental).
- 2 Air Miles per ₹100 on all other eligible spends.
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM IST
Redemption value
- 1 Air Mile = ₹1 redemption value on Flight & Flight Add-on Bookings and on Hotel & Hotel Add-on Bookings via Kotak Unbox.
- Minimum 200 Air Miles required to make a Flight or Hotel booking.
- Maximum Air Miles redemption allowed for Flight & Hotel Booking is 80% of purchase value.
- Air Miles expire 3 years from the date of accrual.
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Reward cap
- Incremental Air Miles (3 Air Miles per ₹100) on travel spends on Kotak Unbox capped at 15,000 Air Miles per statement cycle.
- After cap, base 2 Air Miles per ₹100 continues.
- No cap on base earning rate.
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Reward exclusion
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Travel & lounge
Lounge access
- 2 Complimentary International lounge access annually (Primary Cardholders, Powered by Priority Pass; visit validation charges of $1.00 auto-reversed within 7 working days; activate international transactions to enable). 4 Complimentary Domestic lounge access annually (Primary Cardholders), capped at 2 lounges per calendar quarter.
- Visit validation charge of ₹2 at the lounge.
VerifiedKotak Air+ Credit Card — official product page18 Aug 2026, 11:16 AM ISTKotak Mahindra Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Milestone benefit
2,500 Air Miles as Renewal Benefit credited every year, subject to payment of Annual Fees.
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
2% foreign currency transaction mark-up on International transactions (no Air Miles accrued on international transactions).
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Charge
- Finance/Interest charge: 3.50% per month (42.00% APR).
- Cash Advance Fee: 2.5% on advance amount, subject to minimum of ₹500.
- Foreign Currency Transaction Markup: 2%.
- Dynamic Currency Conversion Fee: 2%.
- Cheque Return Fee: 2% on bounce amount, min ₹500.
- Standing Instruction Failure / Auto-debit return fee (NACH, ECS, Auto Debit): 2% on bounce amount, min ₹450, max ₹5,000.
- Fee for Cash Payment at branches: ₹100.
- Over Limit Charges: ₹500 (if over-limit amount >= ₹500).
- Card Replacement Fees (Lost & Damaged): ₹100.
- Credit Limit Increase Processing Fees: ₹100 + GST.
- Fee on Rent Payments: 1% of transaction amount.
- Fee on Wallet Loading: 1% on cumulative wallet loading spends exceeding ₹10,000 per statement cycle.
- Fee on Fuel Transactions: 1% on cumulative fuel spends exceeding ₹50,000 per statement cycle.
- Fee on Utility Spends: 1% on cumulative utility spends exceeding ₹75,000 per statement cycle.
- Fee on Education Payment: 1% on all education payments made via third-party apps.
- Fee on Online Skill-Based Gaming: 1% on cumulative spends exceeding ₹10,000 per statement cycle.
- Minimum Amount Due: 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax, min ₹100.
- Late Payment Charges (effective 5 December 2025): <=₹100 ₹0.
- >₹100-500 ₹100.
- >₹500-1000 ₹500.
- >₹1000-5000 ₹600.
- >₹5,000-10,000 ₹750.
- >₹10,000-25,000 ₹900.
- >₹25,000-50,000 ₹1,100.
- >₹50,000 ₹1,300 (till 4 December 2025 slabs were ₹0/100/500/600/800/1,000/1,200).
- GST applicable on all fees and charges.
VerifiedKey Fact Statement (KFS) - Kotak Air+ Credit Card18 Aug 2026, 11:16 AM ISTKotak Mahindra Bank
Fuel surcharge waiver
- 1% Fuel Surcharge Waiver on fuel transactions across all petrol pumps in India, applicable for fuel transactions between ₹400 and ₹7,500.
- Maximum Fuel Surcharge Waiver of ₹4,500 in an anniversary year.
- No Air Miles accrued on Fuel Transactions.
VerifiedDetailed Terms & Conditions - Kotak Air+ Credit Card30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Interest-free period
- Interest free period can range up to 51 days depending on the Payment Due Date.
- Payment Due Date can be between 18 and 21 days after the Statement Date.
- Credit free period can range from 18-48 days or 21-51 days.
- Interest-free period is not applicable if Total Amount Due is not paid in full.
VerifiedKey Fact Statement (KFS) - Kotak Air+ Credit Card18 Aug 2026, 11:16 AM ISTKotak Mahindra Bank
Transfers
Transfer rule
- Minimum 1,000 Kotak Air+ Credit Card Air Miles required for transferring into respective Hotel and Airline Partners.
- No maximum capping on transferring Air Miles to partner Hotels & Airlines.
Verifiedharvested from product page18 Aug 2026, 11:16 AM ISTKotak Mahindra Bank
Common questions
What is the annual fee on the Kotak Air+ Credit Card?
Officially traced: Rs. 3,000 (plus GST).
Detailed Terms & Conditions - Kotak Air+ Credit CardWhat is the joining fee on the Kotak Air+ Credit Card?
Officially traced: Rs. 3,000 (plus GST).
Detailed Terms & Conditions - Kotak Air+ Credit CardIs the Kotak Air+ Credit Card annual fee ever waived?
No joining fee waiver and no annual fee waiver (both conditions NA).
Most Important Terms & Conditions (MITC) - Kotak Credit CardsHow does the Kotak Air+ Credit Card earn rewards?
5 Air Miles per Rs. 100 on Flight & Flight Add-ons and Hotel & Hotel Add-ons booking via Kotak Unbox (2 base + 3 incremental).
Detailed Terms & Conditions - Kotak Air+ Credit CardWhat are the transfer ratios for Kotak Air+ Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-air-plus-credit-card.html.
VerifiedKotak Air+ Credit Card product page30 Jul 2026, 1:45 PM ISTKotak Mahindra Bank
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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